Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Estimated insurance rates for a Toyota Tundra are $1,442 a year including full coverage. Comprehensive costs approximately $306 each year, collision insurance costs $506, and liability costs around $450. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs around $3,106. 16-year-old drivers pay the most at up to $5,420 a year.

Average premium for full coverage: $1,442

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Tundra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences highlight why all drivers should compare prices using their specific location and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $843
• Using higher $1,000 deductibles will save $182 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,442
• Buying low deductibles for physical damage coverage will increase the cost to $1,800
• Drivers with multiple tickets or accidents could pay around $3,106
• An auto insurance policy for full coverage for a teen driver can cost $5,420 or more

View Chart as Image

Insurance prices for a Toyota Tundra also have a wide range based on your driving characteristics, the model of your Tundra, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Tundra insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,060 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $540 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $405 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 131% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Toyota Tundra Insurance

Finding better rates on car insurance requires being a safe and courteous driver, maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief recap of the concepts that were covered in the above illustrations.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,660 more per year for auto insurance
• Teenage drivers are expensive to insure, with the cost nearing $452 per month for full coverage
• You may be able to save around $170 per year just by quoting online in advance
• Increasing policy deductibles can save around $550 each year
• You may be able to save around $170 per year just by quoting online in advance

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.